Company Complaint Information
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| Company Performance | |||
| In compliance with California Insurance Code § 12921.1, the California Department of Insurance conducted a Consumer Complaint Study of all admitted insurance carriers. The company performance table provides the complaints determined by the department to require that corrective action be taken against the insurer, or leading to insurer compromise, or other remedy for the complainant, those that are found to be without merit, those with other outcomes, and justified complaints. Justified complaints often require additional review, as violations of California insurance laws may exist. | |||
| Year | Closed Complaints (TOTAL of Categories 1-3) |
Category 1: Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant. |
Category 2: Complaints found to be without Merit. |
Category 3: Complaints with Other Outcomes |
Category 4: Justified Complaints |
|---|---|---|---|---|---|
| 2022 | 171 | 50 | 53 | 68 | 22 |
| 2021 | 146 | 44 | 56 | 46 | 22 |
| 2020 | 219 | 61 | 90 | 68 | 20 |
| Violation Study |
| Year | Line of Coverage | Law | Section | Summarized Description of Law | # of Alleged Violations |
|---|---|---|---|---|---|
| 2022 | Automobile | CIC | 11580.011 | Coverage for replacement of child passenger restraint system; insurer obligation | 1 |
| 2022 | Automobile | CCR | 2695.7(b) | Upon receiving proof of claim, insurer shall immediately but in no event more than 40 calendar days accept or deny claim. | 2 |
| 2022 | Automobile | CCR | 2695.8(f)(3) | Reasonably adjust the claimant's estimate. | 1 |
| 2022 | Automobile | CCR | 2632.13(e)(1) | Provide written notice of investigation including any principally at-fault determination | 1 |
| 2022 | Automobile | CCR | 2695.5(a) | Must respond to the California Department of Insurance within 21 calendar days. | 3 |
| 2022 | Automobile | CCR | 2695.5(b) | Must provide complete response to claimant inquiries within 15 calendar days. | 2 |
| 2022 | Automobile | CCR | 2695.7(h) | Must pay within 30 calendar days of accepting claim-exceptions apply- see Regulations. | 1 |
| 2022 | Automobile | CIC | 661 | Valid notice of cancellation | 1 |
| 2022 | Automobile | CIC | 1861.05a | Excessive, inadequate, unfairly discriminatory rates | 4 |
| 2022 | Automobile | CIC | 880 | Failure of insurer to use own name | 1 |
| 2022 | Automobile | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 7 |
| 2022 | Automobile | CCR | 2695.8(e)(4) | Insurer cannot require claimant to travel an unreasonable distance or wait an unreasonable period of time. | 1 |
| 2022 | Automobile | CCR | 2632.13.1(b)(1) | Insurer may assign one violation point | 1 |
| 2022 | Automobile | CCR | 2695.7(d) | Insurer shall conduct a thorough, fair and objective investigation. Cannot seek unnecessary information from claimant. | 2 |
| 2022 | Automobile | CCR | 2695.7(b)(3) | Must notify claimant that claim denial can be reviewed by the California Department of Insurance. | 1 |
| 2022 | Automobile | CCR | 2695.7(c)(1) | Must notify in writing every 30 calendar days if more time is required to investigate claim. | 2 |
| 2022 | Fire | CIC | 678(c)(1) | Nonrenewals on or after 7/1/2020 shall require at least 75 days notice prior to expiration; notices issued effective 7/1/22 must c | 2 |
| 2022 | Fire | CCR | 2694a5 | Failed to respond or did not provide a complete response | 1 |
| 2022 | Fire | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 2 |
| 2022 | Fire | CIC | 678(a) | An insurer shall deliver to the named insured an offer to renew at least 45 days in advance; or 45 days notice of nonrenewal until | 1 |
| 2022 | Homeowners | CCR | 2694a3 | In contravention of own rules, policies, procedures, guidelines | 1 |
| 2022 | Misc Lines | CIC | 880 | Failure of insurer to use own name | 1 |
| 2022 | Misc Lines | CCR | 2695.7(b)(3) | Must notify claimant that claim denial can be reviewed by the California Department of Insurance. | 1 |
If complaint data does not appear for this company, this link will provide you with an explanation.
To view the California Insurance Code (CIC), Click here
To view the California Code of Regulations (CCR), Click here
| Comparison Data |
The information below is for complaints closed during the study period for this insurance company. The table provides the Justified Complaint Ratio, Market Share, Complaint Share, and Index for this company, grouped by the line of coverage the company was authorized to sell in this study period.
| Year | Line of Coverage | JustifiedComplaint Ratio | Market Share | Complaint Share | Index |
|---|---|---|---|---|---|
| 2022 | Commercial Multi-Peril | .00 | .145 | .00 | .00 |
| 2022 | Homeowners | 19.31 | .165 | 1.03 | 6.23 |
| 2022 | Workers Compensation | .00 | .620 | .00 | .00 |
| 2022 | Commercial Auto | .00 | .675 | .00 | .00 |
| 2022 | Personal Auto | 5.58 | 1.029 | 1.27 | 1.23 |
If complaint data does not appear for this company, this link will provide you with an explanation.
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